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Yoem C., 33, is a resident of Kompong Cham Province. He is a local construction supervisor that manages employees to provide his service. He has been constructing for a long time and currently earns an average of $4 per day.

Yoem is married to Heng Phalla whom is 30 years old. She runs a little store in front of her house to sell items such as dessert, sweets, and ice-cream. She can earn $2 per day from her business. Phalla is a good mother of four children; three of the children are single, and one child is married. Two of her children work as dealers in a casino.

She is a very responsible lady to her family; she's always providing them with what they need. To earn additional income, Phalla and C. request a loan of $1000 to purchase different kinds of merchandise like rice to store and re-sell.

(C.'s wife and his daughter are pictured, because Yoem was unavailable)

Additional Information

About HKL

Hattha Kaksekar Limited is one of the largest and most successful microfinance institutions (MFIs) in Cambodia. The organization provides microfinance services to the poor, particularly women, in urban and rural areas. Kiva lenders’ funds will be used to expand the outreach of HKL’s financial services to a greater number of clients in rural areas of Cambodia.

About Cambodia

  • $2,600
    Average annual income
  • 263
    View loans »
    Cambodia Loans Fundraising
  • $38,023,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Yoem to purchase different kinds of merchandise like rice to store and re-sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 6, 2009
Jan 13, 2009
Currency Exchange Loss:
Feb 15, 2010